LTV · monthly repayment
▼ 0.50% · 3.625%
HK$115,780
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,381
−HK$3,659/mo
Today · 4.125%
HK$123,040
baseline
▲ 0.50% · 4.625%
HK$130,527
+HK$7,487/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$246,080/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,804
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,258
−HK$3,505/mo
Today · 4.125%
HK$135,763
baseline
▲ 0.50% · 4.625%
HK$142,919
+HK$7,156/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$271,526/mo (50% DSR)
Upfront cash ≈ HK$27.55M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,936
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,258
−HK$4,390/mo
Today · 4.125%
HK$147,648
baseline
▲ 0.50% · 4.625%
HK$156,632
+HK$8,984/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$295,296/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,565
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,710
−HK$4,205/mo
Today · 4.125%
HK$162,915
baseline
▲ 0.50% · 4.625%
HK$171,503
+HK$8,588/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$325,830/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,092
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,134
−HK$5,122/mo
Today · 4.125%
HK$172,256
baseline
▲ 0.50% · 4.625%
HK$182,738
+HK$10,482/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$344,512/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,326
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$185,162
−HK$4,906/mo
Today · 4.125%
HK$190,068
baseline
▲ 0.50% · 4.625%
HK$200,087
+HK$10,019/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$380,136/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,404
−HK$13,069/mo
▼ 0.25% · 3.875%
HK$214,886
−HK$6,587/mo
Today · 4.125%
HK$221,473
baseline
▲ 0.50% · 4.625%
HK$234,949
+HK$13,476/mo
Deposit HK$5.08M · loan HK$45.70M · min. income ≈ HK$442,946/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,847
−HK$12,526/mo
▼ 0.25% · 3.875%
HK$238,065
−HK$6,308/mo
Today · 4.125%
HK$244,373
baseline
▲ 0.50% · 4.625%
HK$257,254
+HK$12,881/mo
Deposit HK$5.08M · loan HK$45.70M · min. income ≈ HK$488,746/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,936 · Scale 2, in force from 26 Feb 2026)